CNB Financial

CCNE · NASDAQ

$34.58+$0.59 (+1.74%)TodayMarket closed · Oct 20, 4:10 PM ET

Prev close $33.99

CCNE analyst rating

BuyConsensus of 5 analysts over the last 12 months. 60% rate it a buy.

Strong buy0
Buy3
Hold2
Underperform0
Sell0

12-month price target · 8 analysts

Average $38.59 (+11.6% upside)

Low: $36.36
Now: $34.58
High: $40.95

Upgrades and downgrades

The latest rating actions, newest first

CCNE analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Sep 24, 2026	Initiates	Overweight	$38.00	64%
Raymond James	Aug 27, 2026	Initiates	Outperform	$39.00	54%
DA Davidson	Jul 27, 2026	Maintains	Neutral	$34.00 → $36.00	53%
Keefe, Bruyette & Woods	Jul 24, 2026	Maintains	Market Perform	$35.00 → $37.00	68%
DA Davidson	May 15, 2026	Initiates	Neutral	$34.00	53%
Keefe, Bruyette & Woods	Apr 21, 2026	Maintains	Market Perform	$30.00 → $34.00	68%
Stephens & Co.	Feb 11, 2026	Maintains	Overweight	$28.00 → $35.00	54%

The case for and against

Updated Oct 18, 2026

Bull case

CNB Financial is attractive because its core net interest margin has an upward bias, supported by redeploying about $84M of securities maturing at a 1.75% weighted-average rate, lower funding costs after the partial subdebt redemption, and higher-yielding loan production. This should help drive NII growth of 26% / 5% / 4% YoY in 2026 / 27 / 28, while the ESSA acquisition in July 2025 and a strong C&I pipeline support mid-single-digit organic balance-sheet growth and expanding fee income. Solid capital ratios of 12.0% CET1 and 14.5% TRBC, along with disciplined underwriting and improving efficiency, give the company flexibility for buybacks or debt redemption while reinforcing a more consistent profitability profile.

Bear case

CNB Financial is facing a tougher fundamental setup as slower-than-expected balance-sheet growth, competitive deposit pricing, and limited further funding-cost relief threaten net interest margin expansion while loan growth may stay restrained by payoff activity and an uneven commercial pipeline. Credit trends are also less reassuring, with 2Q NCOs at 0.09% of loans, NPAs rising to 0.90%, and provision expense increasing to $1.8M, alongside exposure to CRE, residential real estate, and C&I portfolios that could drive higher losses if conditions weaken. Although core PPNR and TBV/share improved to $24.73, the bank’s 8.81% TCE remains below peers at 9.8%, and rising expenses tied to inflation, technology, and scaling toward the $10B threshold could weigh on profitability and capital flexibility.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.